What are the asking price for both contracts? I ask because this is a pretty good test of what "the market" thinks the value of banked points should be. The loaded contract should be about $23 a point more to make them "equal"value, but I highly doubt there is that much of a difference in asking price. Also that size contract is going to have a little bit of a premium on it, so don't compare it's $/point to say even a 200 point contract.